Classifications

• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G07F19/20—Automatic teller machines [ATMs]
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
  • H04N23/00—Cameras or camera modules comprising electronic image sensors; Control thereof
  • H04N23/70—Circuitry for compensating brightness variation in the scene
  • H04N23/71—Circuitry for evaluating the brightness variation
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
  • G06T7/00—Image analysis
  • G06T7/80—Analysis of captured images to determine intrinsic or extrinsic camera parameters, i.e. camera calibration
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G07F19/20—Automatic teller machines [ATMs]
  • G07F19/205—Housing aspects of ATMs
  • G07F19/2055—Anti-skimming aspects at ATMs
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G07F19/20—Automatic teller machines [ATMs]
  • G07F19/207—Surveillance aspects at ATMs
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
  • H04N23/00—Cameras or camera modules comprising electronic image sensors; Control thereof
  • H04N23/70—Circuitry for compensating brightness variation in the scene
  • H04N23/73—Circuitry for compensating brightness variation in the scene by influencing the exposure time

Definitions

• Card reader processing card method, device and self-service device The application is submitted to the Chinese Patent Office on September 16, 2013, the application number is 201310422178.0, and the invention name is "card reader processing card method, device and self-service device" Priority of Chinese Patent Application, the entire contents of which is incorporated herein by reference.
• the present invention relates to the field of financial self-service terminal technologies, and in particular, to a card reader processing card method and device, and a self-service device thereof. Background technique
• a kind of financial self-service equipment that is common in everyday life is ATM (Automated Teller Machine, ATM).
• Self-service equipment performs most self-services. It requires bank cards, such as card deposit, card withdrawal, inquiry, change, transfer, etc.
• the user In the self-service process, the user must ensure that at least one of the bank card information and password information is not compromised. For example, when the user correctly enters the password in the self-service process, the user must not be operated in the process of returning the card to the card. Other people master.
• the current self-service device does not solve this problem well.
• the following problems still exist: When the user is in the self-service process, the card is inserted into the card reader, the password is entered, and the interface is operating during the transaction, and the criminal is reading the card.
• the processor handles a fake card to impersonate the user's real card, and then the criminal spoofs the user to say that the service completion card has been quit.
• the user sees that the card reader handles the card slot and does have a card, which is often mistaken for his own card.
• I quit I took the fake card or took the initiative to leave the self-service device.
• the user's card is still in the card reader. Since the user has entered the correct password, the criminal can continue to trade and take away the cash in the user card.
• the self-service device has no technical suggestion and processing in this case, and the bank is in the process of user service operation.
• the card is transferred to steal the cash in the user's bank card, which causes the self-service device to have security risks.
• the object of the present invention is to provide a card reader processing card method, device and self-service device, so that the self-service device prevents the business operation right from falling into the hands of others during the business process of the user during the business process for the user. Users promptly identify bank card transfer scams, thereby improving the security and intelligence of self-service devices and ensuring user property security.
• the present invention provides the following technical solutions:
• a card reader processing card method applied to a self-service device, comprising:
• the card reader status is detected in real time
• the card reader Once it is detected that there is a card at the card reader processing card, the card reader generates an event with a card at the card entry, and sends the event to the self-service system in real time, so that the self-service system prompts the alarm information and pauses.
• Current business entering the user authentication process;
• the second detecting module of the card reader may be implemented by a magnetic discriminating module or a card-determining module provided by the card reader detecting device, or may be processed by the card reader.
• the bayonet foreign body detecting device is realized.
• the generation of the alarm instruction may be generated by the card reader device itself according to the results of the two detection modules; or may be generated by the self-service system based on the detection results of the two detection modules transmitted by the card reader.
• the user may perform identity verification, and may require the user to input a password, or biometric information such as a fingerprint, or other known technical means that can be verified by the self-service system, such as mobile phone verification, U-Shield verification, and the like.
• a card reader processing card device applied to a self-service device, comprising:
• the first detecting module and the second detecting module are respectively configured to detect whether there is a card inside the card reader and the card feeding port, and send the detection result to the judgment analyzing module;
• the judgment analysis module is configured to receive the monitoring result of the first detecting module and the second detecting module, when both the first detecting module and the second detecting module detect that there is a card, and the self-service system is in progress
• the service analysis process sends the alarm information to the self-service system and the alarm prompt module respectively.
• the alarm prompting module is configured to convey the alarm information to the user by means of a screen display or an audible prompt;
• the self-service system is configured to receive alarm information, suspend execution of the current service, and invoke a user identity verification module to perform user identity verification;
• the user identity verification module is configured to complete an identity verification process, and if the identity verification is successfully completed, send information to the self-service system, so that the self-service system continues the current service; if the identity verification module performs in a preset time If the user authentication fails, the self-service system terminates the current service, and finally performs card withdrawal or card swallowing.
• the method, the device and the self-service device of the card reader processing card provided by the present invention continuously detect whether the card reader has a card in the card reader when detecting the card in the card reader, once the card is detected.
• the user is prompted to alert that the card is being transferred, and the current ongoing service is suspended, the user is required to perform identity verification, and the self-service interface is switched to wait for the user to input the password interface, only when the user is within the prescribed time. If the password is entered correctly, the processing of the current business will continue.
• FIG. 1 is a flow chart of a card reader processing card method according to an embodiment of the present invention
• FIG. 2 is a schematic structural diagram of a card reader processing card device according to an embodiment of the present invention
• FIG. 3 is a flow chart of switching between two working modes of a card reader foreign object detecting device according to an embodiment of the present invention
• FIG. 4 is a flow chart of a method for controlling foreign object detection switching of a card reader according to an embodiment of the present invention. detailed description
• FIG. 1 is a flow chart of a card reader processing card method according to an embodiment of the present disclosure, including:
• Step S101 When the user uses the card to conduct a business transaction, the card reader status is detected in real time; when the user performs the self-service operation using the card, the card reader has a card, and the self-service device is in a normal service state.
• the card reader has a card that cannot be quit or swallowed due to a fault, that is, the self-service device is not in the service state, it is not within the scope of this solution.
• the self-service device is in the service state, and the card reader has a card.
• the card reader processes the card port to detect the card or the foreign object, the card reader does not send the event that the card slot has a card or foreign object to the self-service.
• the business system does not do anything with this event. Therefore, when the user is in the process of business operation, the criminal inserts a fake card in the card reader processing bay to induce the user to hand over the business operation right, and the self-service device does not alert the user under the prior art, and does not take security. Measures to ensure the security of user account funds.
• the detection means that can be used is a card processing function provided by the card reader to enter the card or the magnetic card into the card, and the card reader can detect the card. The event of having a card at the card entry is immediately sent to the self-service system.
• the detection means that can be used is the card reader foreign object detection function.
• the improvement to the prior art is that the card reader only detects when the business process is detected.
• the foreign object immediately sends the event detecting the foreign object to the self-service system, instead of the prior art, the foreign object operation process can be detected for a long time (for example, more than 5 minutes), and the prior art is only for a long time (for example, greater than 5). Minutes)
• the foreign matter is detected to prevent temporary foreign matter such as a card, and the purpose of the foreign matter detecting device installed at the card reader is to find out whether there is a card stealing device for stealing card information at the card reader.
• Step S102 Once the card reader detects that there is a card at the card slot, the card reader generates an event that the card has a card at the card slot, and sends the event to the self-service system in real time, so that the self-service system prompts the alarm. Information, and suspend the current business, enter the user authentication process;
• the card reader In order to effectively prevent the criminals from inserting a card into the card reader to obtain the business operation right during the user's business operation, the card reader enters the card slot during the user service operation.
• the card reader will send the event to the self-service system for processing in time, and the self-service system promptly reminds the user to prevent the card from being transferred.
• the prompting alarm information including the user cares for the card adjustment package, may use the voice prompting alarm information mode or the manner of displaying the alarm information on the screen.
• the self-service system suspends the current service and enters the user identity verification process. If the operation result of the current service does not cause the user account funds or the user password to change, such as querying the service, the service may be completed after the service or the current service. After the timeout expires, the user authentication process is entered; the result of the operation of the service will result in user account funds or user passwords, and as soon as they change, such as changing the confidential business or transferring the business, the current business is immediately suspended. Human user authentication process.
• Step S103 After the user successfully authenticates within a specified time, the current service is continued. It should be noted that if the user identity verification is unsuccessful, the self-service system terminates the current service, and the card is swallowed or the card is returned to terminate the current service operation.
• the user identity verification if the user does not input a password within a certain time limit, or enters the password three times, the service is terminated, and the card is returned or swallowed.
• the termination of the current business for the withdrawal of the withdrawal business has been successful but has not successfully issued the banknotes, before the termination of the business, the withdrawal process should be initiated to process the account. If the deposit business has not been completed, the banknotes will be recycled and the banknotes will not be sent to the cash withdrawal.
• FIG. 2 a schematic diagram of a card reader processing card device provided by the embodiment of the present application is as shown in FIG. 2, and includes:
• the first detecting module 201, the second detecting module 202, the determining and analyzing module 203, the self-service system 204, the alarm prompting module 205, and the identity verification module 206 wherein The first detecting module 201 and the second detecting module 202 are respectively configured to detect whether there is a card in the card reader and the card inlet, and transmit the detection result to the judgment analyzing module 203, and when the judgment analyzing module 203 simultaneously finds the received first
• the judgment analysis module 203 sends an alarm message to the self-service system 204 and the alarm prompt module 205, and the alarm prompt module 205 provides the user with the alarm information.
• the alarm information is transmitted by means of a screen display or an audible prompt.
• the self-service system 204 receives the alarm information, suspends the progress of the current service, and invokes the user identity verification module 206 to request the user to perform identity verification, and the user inputs the identity through the identity verification module 206. After the identity verification module 206 successfully completes the identity verification, the information is sent to the self-service system 204, and the self-service system 204 continues the current service. If the identity verification module 206 fails the user identity verification within the specified time, the self-service system 204 terminates the current service. Business, finally returning the card Or swallow card processing.
• the second detecting module 202 can adopt a processing card function module provided by a card reader to enter a card or a magnetic card input card, and can also adopt a card reader foreign object detecting function module.
• the identity verification module 206 can adopt a function module for the user to input the account password again for identity verification.
• FIG. 3 and FIG. 4 are diagrams showing a card processing method for a card reader foreign object detecting device according to an embodiment of the present invention, including:
• the conventional card reader foreign object detecting device is a product developed to prevent a criminal from illegally acquiring user card information by installing a card reader or the like on a card reader.
• the foreign object detecting device of the card reader only detects the presence of foreign matter in a long period of time (such as half an hour, preferably more than one business time), and then alarms to determine that the card reader has foreign matter blocking. If a foreign object is detected for a short period of time, there will be no alarm, such as the user withdrawing the card, stuck in the card access port, until the card is swallowed, there is a 2-3 minute card timeout period, during which time the card is read.
• the foreign object detecting device will definitely detect the presence of foreign matter in the card-receiving port, but in fact, it is a normal entry and exit card, and it is impossible to send an alarm message, and the card reader sends an abnormal signal to the self-service service system.
• a method for processing a card by using a card reader foreign object detecting function is divided into the following steps:
• the foreign object detecting device of the card reader detects foreign matter. If there is a card in the card reader, go to step 2); otherwise, do not do any processing, the process ends.
• step 2) If the business is in the process of withdrawing money or transferring money, suspend the business processing, enter the input password interface, wait for the user to input the password, the user enters the password correctly at the specified time, the business continues, the process ends; otherwise, go to step 3) .
• the security control system of the present scheme functions only when the foreign object detecting device does not detect the foreign matter state during the business process and switches to the detection of the foreign matter state.
• This example divides the working status of the card reader foreign object detecting device into two types:
• This state refers to the state of detection of foreign objects on the card reader device under the current technology.
• the foreign matter detecting device works and this state, once the card reader is detected to have foreign matter, it will not immediately monitor The system and the self-service system send a signal to report the presence of foreign objects in the card reader. Only for a long period of time, such as the continuous detection of foreign objects accumulated for more than 20 minutes, or even longer, then the self-service terminal monitoring system can determine the card reading. A foreign object is added to the device. Once the foreign object disappears at a certain time, the accumulation of time is cleared and counted again.
• the foreign objects such as the following normal conditions are effectively distinguished: when the user performs a business operation such as inserting a card, processing a card, retiring the card, and taking the card, the foreign card detecting system is caused by the bank card temporarily passing through the card reader in/out of the card slot. Foreign matter was detected.
• Emergency working mode A new working state of the program, the card reader foreign object detecting device works in this state, as long as it detects that the card reader has foreign matter, immediately sends a signal to the self-service system to report the existence of the card reader. The foreign object, self-service system will immediately interrupt the existing normal business and enter the emergency processing mode.
• the premise that the card reader foreign object detecting device is in the working state is that a bank card has been processed in the card reader.
• the card reader foreign object detecting device starts to start the working state until The user successfully completes the service card withdrawal.
• the two working mode switching procedures of the card reader foreign object detecting device in this example are as follows:
• the card reader foreign object detecting device enters an emergency working state.
• the foreign matter detecting device detects the presence of a foreign object, the current business process is immediately interrupted, and the self-service system switches to the password input interface. Only when the user password is entered correctly will the service currently being processed continue, otherwise the service will be aborted and the card will be swallowed.
• the card reader foreign object detecting device enters the normal working state. Only when the foreign matter detecting device detects the presence of foreign matter for a long time (such as more than 20 minutes), the service system is suspended and the maintenance personnel are notified. Exclude foreign objects in the reader.
• the flow chart of a card reader foreign object detection switching control method in this example is as follows:
• the card reader foreign object detecting device When the self-service device is idle, during the period of no service operation, the card reader foreign object detecting device is in the normal working mode. In this mode, only when the card reader foreign object detecting device is continuously operated for a long time (for example, 20 minutes or more, according to the actual situation) The situation needs to be set.) If there is any foreign object occlusion, the business processing will be stopped, and the alarm will be notified to the maintenance personnel to remove the foreign objects.
• the foreign object will be detected for a long time, and the alarm will be detected immediately, instead of detecting the foreign object, it is necessary to consider the user's normal card insertion, card removal and other business operations. At this time, the card reader will also detect the foreign object, but is normal.
• the alarm is notified to the maintenance personnel, because the alarm in this case is because the card reader may be installed by the criminals to insert the card stealing device to steal the user card information.
• the detection device alarms and requires maintenance personnel to intervene to remove foreign objects.
• the user starts the business operation, inserts the card, reads the card processing card, and switches the card reader to the foreign object inspection.
• the measuring device enters the emergency working mode from the normal working mode. In this mode, as soon as the foreign object detecting device of the card reader detects the foreign object blocking, it will immediately alarm, reminding the user that the user needs to input the password here to continue the current business.
• the card reader foreign object detecting device does not notify the maintenance personnel of the alarm, but reminds the user who is performing the business operation. This is because the situation is not considered to be a stolen card in which the user card information is stolen.
• the device causes the foreign object detecting device to alarm, but some people may interfere with the user's business operation and intentionally insert a foreign object such as a fake card on the card reader processing bay to trick the user.
• the business system In the process of processing the user's business, the business system immediately responds to the interruption when it receives the foreign object signal, interrupts the current service, and switches to the password input interface, waiting for the user to input the password.
• the card reader foreign object detecting device in the emergency working mode, requires the user to re-enter the password if the user wants to continue the current service, thereby preventing the user from being deceived and leaving the self-service device, and the subsequent person cannot continue to use the user's card. Conducting business operations ensures the security of the user's funds.
• the disclosed systems, devices, and methods may be implemented in other ways.
• the device embodiments described above are only schematic.
• the division of the unit is only a logical function division.
• there may be another division manner for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored, or not executed.
• the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in electrical, mechanical or other form.
• the units described as separate components may or may not be physically separate,
• the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
• each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
• the above integrated unit can be implemented in the form of hardware or in the form of a hardware plus software functional unit.
• the above-described integrated unit implemented in the form of a software functional unit can be stored in a computer readable storage medium.
• the above software functional units are stored in a storage medium and include a number of steps for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods of the various embodiments of the present invention.
• the foregoing storage medium includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Random Access Memory), a magnetic disk, or an optical disk, and the like.
• the medium of the program code includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Random Access Memory), a magnetic disk, or an optical disk, and the like.
• the medium of the program code includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Ran

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• 2013
  • 2013-09-16 CN CN201310422178.0A patent/CN103456092B/zh active Active
• 2014
  • 2014-02-18 WO PCT/CN2014/072174 patent/WO2015035749A1/zh active Application Filing
  • 2014-02-18 TR TR2018/07794T patent/TR201807794T4/tr unknown
  • 2014-02-18 EP EP14843634.8A patent/EP3048592B1/en active Active
  • 2014-02-18 US US15/021,861 patent/US20160234416A1/en not_active Abandoned
  • 2014-02-18 AU AU2014321073A patent/AU2014321073B2/en not_active Ceased
• 2016
  • 2016-03-11 CL CL2016000587A patent/CL2016000587A1/es unknown
  • 2016-04-11 ZA ZA2016/02428A patent/ZA201602428B/en unknown

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